LEHIGH VALLEY EDUCATORS CREDIT UNION (EIN 230338105) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1934

Legal Domicile

Principal Officer

ROSEMARIE KRANTZ

Phone

6108200145

Tax Period

2023-01-01 to 2023-12-31

LEHIGH VALLEY EDUCATORS CREDIT UNION, founded in 1934, is a mid-sized nonprofit that reported $12.3M in total revenue in fiscal year 2023. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $11.6M left a modest 6% surplus.

Mission

MAINTAIN FINANCIAL SOUNDNESS WHILE EMPOWERING MEMBERS TO WORK TOWARD FINANCIAL SUCCESS

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $8,106,213

Investment Income $4,194,253

Other Revenue $11,417

TOTAL REVENUE $12,311,883

Expense Breakdown

Grants Paid $90,000

Salaries & Benefits $2,731,526

Fundraising Expenses $0

Other Expenses $8,766,026

TOTAL EXPENSES $11,587,552

Year-over-Year Comparison

	2023	2022	Change
Revenue	$12,311,883	$11,017,714	+0.1%
Expenses	$11,587,552	$7,914,560	+0.5%
Net Income	$724,331	$3,103,154	-0.8%

Key Indicators

✓ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

Governance Policies

✓ Conflict of Interest Policy

✗ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

⚠ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$699,670

Total Directors

$7,200

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WILLIAM AYERS	BOARD CHAIRPERSON	1.00	Director	$1,500	$0	$1,500
GARY FEDORCHA	BOARD VICE CHAIR	1.00	Director	$1,000	$0	$1,000
EUGENIA EMERT	SECRETARY/TREASURER	1.00	Director	$750	$0	$750
JILLIAN EMERT	MEMBERSHIP OFFICER	1.00	Director	$350	$0	$350
DANIEL JOSEPH	DIRECTOR	1.00	Director	$600	$0	$600
SHERRI MOLITORIS	DIRECTOR	1.00	Director	$600	$0	$600
DENNIS NEMES	DIRECTOR	1.00	Director	$600	$0	$600
RYAN VAN NORMAN	DIRECTOR	1.00	Director	$600	$0	$600
GARY PHILLIPS	DIRECTOR	1.00	Director	$600	$0	$600
DANIEL WEAVER	DIRECTOR	1.00	Director	$600	$0	$600
ROSEMARIE E KRANTZ	CEO	40.00	Officer	$242,598	$122,360	$364,958
ANN HOFF	CFO	40.00	Officer	$103,879	$57,856	$161,735
MARIE A RHODA	CLO	40.00	Officer	$124,075	$48,902	$172,977

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	No data	No data	No data	No data
2023	$12,311,883	$11,587,552	$412,042,275	$724,331
2022	$11,017,714	$7,914,560	$400,823,762	$3,103,154
2021	$9,686,113	$7,367,598	$408,699,262	$2,318,515
2020	$10,263,879	$8,084,715	$377,145,467	$2,179,164
2019	$11,097,482	$8,617,059	$324,277,675	$2,480,423
2018	$10,272,832	$7,723,048	$311,640,748	$2,549,784

LEHIGH VALLEY EDUCATORS CREDIT UNION